If you are facing a Foreclosure on your Home, repossession of your automobile or problems with your credit cards, medical bills or tax issues, we have solutions that can help. There are answers to these seemingly insurmountable problems.

There are two main types of Bankruptcy. Chapter 13 Bankruptcy is also called a Debt Consolidation or Debt Reorganization. Chapter 13 Bankruptcy is designed to stop a Foreclosure on your Home. Through a Chapter 13 Bankruptcy, our Bankruptcy Lawyer or Attorney can stop the Foreclosure by the Mortgage Company, and allow you to catch up the arrearages or back payments on the Home over sixty months. We can also use Chapter 13 Bankruptcy to pay off your automobile at reduced payments and interest. A Chapter 13 Bankruptcy can lower your credit card payments and if you have money owed to the IRS, you can pay the debt back often with no interest and penalties. A good Bankruptcy Lawyer or Attorney can accomplish many things through a Chapter 13 Bankruptcy in terms of relieving the financial and personal stress of Debt.

A Chapter 7 Bankruptcy is also called a Straight Bankruptcy. A Chapter 7 Bankruptcy is designed to eliminate Unsecured Debts such as credit cards, medical bills and signature loans. In a Chapter 7 Bankruptcy, you need to continue paying your house and car if you intend to keep those items. There is also a Chapter 11 Corporate Bankruptcy or Reorganization. This Bankruptcy is usually reserved for an individual or Corporation with over one million dollars in debt. Our Bankruptcy Attorneys and Lawyers are trained to handle Chapter 11 Corporate Bankruptcy but for obvious reasons, the majority of Bankruptcy filings are either Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.

Our Bankruptcy Lawyers have expertise and knowledge in other alternatives to filing Bankruptcy. Our Law Firm has a sister organization called Julian Credit Management, which is a non-profit credit counseling organization that can consolidate your debts with reduced interest and monthly payments and avoid Bankruptcy. We also perform Settlements for our clients hoping to avoid Bankruptcy. We also have a credit repair program to improve your credit, sometimes eliminating the need to file Bankruptcy or in conjunction with a Bankruptcy in order to re-establish your credit in the future.

Many people have a concern whether they can buy a home after filing Bankruptcy. Therefore, we also have a mortgage company that can help our clients who filed Bankruptcy to realize their dream of owning a home. The clients who filed Chapter 13 Bankruptcy to stop a Foreclosure often want to refinance their Home.. Typically, we will then file the Chapter 13 Bankruptcy, stop the Foreclosure, place the client in our credit repair program and refinance the Home after the client has made 12 consecutive, on-time payments in the Chapter 13 Bankruptcy.

Our affiliate company,  Julian Credit Management (www.JulianCredit.com) is a Credit Counseling Organization and offers: